As per new rules no refund after chart preparation.And the most worst thing is charting now depends on the timing of the station from where quota has been starting.The worst experience which had happened wd me for a ticket in 12808 I have to travel from BPL BZU in July and surprisingly chart was prepared wrt of nzm departure, 20+hour before timing of bhopal despite having different quota for bhopal.I tried to cancel e ticket @7:15 pm one day prior to departure of my train .IRCTC was saying chart prepared file TDR.